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Use the Check web service for check and checking-account payment processing.
https://ps1.merchantware.net/Merchantware/ws/RetailTransaction/v46/check.asmx
All examples in this document use SOAP 1.2. Using SOAP 1.2 requires a Content-Type header of “application/soap+xml; charset=utf-8”. Please do not include the SOAPAction header previously used for SOAP 1.1 transactions.